stress tests in the eu and us show that banks are, on the whole, healthy. but as concerns over european sovereign debt and some heavily leveraged balance sheets still ripple through financial circles, there may yet be more stormy waters ahead. >>maughan: banks need to significantly boost the deposits that they take from the customer base andprobably will have to downsize their loan portfolios, and while that's at odds with the government's desire to see the banks lending more to mortgages and more to small business, the reality is the uk economy is heavily indebted through the banking sector and by rebalancing their businesses the banks will necessarily have to reduce the amount of loans relative to the deposits they take in. >>reporter: banks have spent the last decade pulling out the high street to reduce costs and tryingto push customers onto the internet; but now as credit dries up, many retail banks are turning their attention back to the branches. this may not be a cheap option- but it does at least help reduce unemployment... >>russell: after the tur